Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #15914750
Complaint Overview
Complaint ID: 15914750
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: North Carolina
ZIP Code: 27514
Date Received: 2025-09-12T12:00:00-05:00
Date Sent to Company: 2025-09-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear CFPB Representative, Thank you for providing the results of Equifaxs, Trans Union, Experian investigation into my complaint regarding inaccurate items appearing on my credit report. While I acknowledge receipt of Equifaxs Trans Union and Experian response, I must respectfully reiterate that the accounts in question reported by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX do not belong to me and are being inaccurately attributed to my credit profile. Despite Equifaxs Trans Union and Experian claim that these items have been verified, I have not received any supporting documentation that proves I have a legal or financial responsibility for these debts. Simply stating that the accounts have been verified without providing evidence or proper validation does not satisfy the requirements under the Fair Credit Reporting Act ( FCRA ). I am requesting the following : 1. A reinvestigation into these accounts, with specific emphasis on how Equifax determined that these accounts belong to me. 2. Full validation and documentation from the furnishers ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) showing : A signed agreement or application; Transaction history showing my involvement ; Any identifying information linking me to these accounts ( e.g., ID verification, address history ). 3. Immediate removal of these items if they can not be substantiated with concrete proof. I also request that Equifax, Trans Union, and Experian mark these accounts as disputed by consumer on my credit file during the reinvestigation process, as required by law. If this issue is not resolved adequately and within a reasonable timeframe, I am prepared to escalate the matter, including potential legal action for violations of the FCRA and FDCPA, should evidence of inaccurate reporting and failure to investigate be found. Please advise on the next steps for continuing this dispute through the CFPB process. I appreciate your time and assistance.
Frequently Asked Questions
What is Complaint #15914750 about?
Complaint #15914750 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-09-12T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Equifax, INC.?
Yes, visit the Equifax, INC. company profile at readthecomplaint.com/company/equifax-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.